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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,566 | $58,848+65.8% | $88,179+10.6% | $82,637+18.1% |
| Participation rate | 42.9% | 57.9%-15.0pp | 69.1%-26.3pp | 68.1%-25.2pp |
| Annual return | 12.41% | 22.76%-10.3pp | 64.97%-52.6pp | 53.51%-41.1pp |
| Employer contribution / active EE | $1,259 | $1,678-25.0% | $2,549-50.6% | $2,552-50.7% |
| Participant deferral / active EE | $2,282 | $3,124-27.0% | $4,614-50.5% | $4,126-44.7% |
| Admin fee / account holder | $5,515 | $4,795+15.0% | $7,673-28.1% | $7,339-24.8% |